Date Received: 2021-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i the consumer sent Midland credit management a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021 They sent correspondence they were gon na cease communication and collection activities and they have yet to do so. in regards to inaccurate accounts with midland credit management i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to this company to start the court process.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Midland Credit Management was notified via mail of the federal laws that they were currently breaking at that time. Midland then sent a response that did not mention the laws in question and simply provided a statement sheet. Midland continues to break these federal laws and many others. Midland is now displaying their willful noncompliance of the laws mentioned on XX/XX/2021 in my first attempt ( attached ).
Company Response:
State: CO
Zip: 80209
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hi, Over the past few months I have consistently identified inaccurate information reporting from a debt collector ( Midland Credit XXXX ) and they continue to revert to information that is not accurate. At this point there have been over 6 separate changes, and each time my credit score drops - from what I've researched, the inconsistency in credit information impacts my creditworthiness and my ability to apply for anything that involves a credit check. Items that have been listed incorrectly are date of first delinquency with original creditor, the amount I owe continues to increase by $ XXXX month over month, it was listed as closed one month and 3 new accounts the next which hit my credit hard, the account type and status changes regularly, and I've even been listed to be 30 days past due on payments. At this point it is getting very cumbersome to see a change to my credit multiple times a month, I'm unable to plan for my future at this point, and this is becoming what I would consider abusive as my credit score is constantly changing due to information accuracy inconsistency. This is impacting my ability to apply credit as I'm reactive to see what new information they want to change. This constant change of my credit information is both impacting my life and feels as if I'm being harrassed when I'm constantly surprised by their changes. They have proven that they are not able to provide accurate information consistently and at this point I would like accounts from Midland Credit XXXX removed as my right to have accurate information reporting to my credit without changing multiple times a month.
Company Response:
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland Funding is reporting that I owe {$1800.00} on an account number - XXXX. MIdland Funding is reporting that I owe {$1100.00} on an account number - XXXX. Midland Funding is reporting that owe {$770.00} on an account number- XXXX. I do NOT know who this company is. I have NEVER done any business with this company. I NEVER signed a contract with this company for anything. I have never given permission verbally or in writing to anyone to pass my information to this 3rd party that I never heard of.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Company Midland funding entered a agreement with mediating of judge both agreed and I payed in XX/XX/XXXXXXXX in XX/XX/XXXXXXXX I check my credit and same company is trying to collect on same debt I called and Midland is claiming that this new dept. from XXXX and reported in XXXX False False
Company Response:
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Here are the accounts below that are inaccurate and have never done business with 1. XXXX XXXX XXXX XXXX XXXX - {$19000.00}. ( ftc report filed ) 2. XXXX - XX/XX/XXXX - {$14000.00} 3. MIDLAND CREDIT MANAGEMENT - XX/XX/XXXX - {$1300.00} ( FTC REPORT FILED ) 4.MIDLAND CREDIT MANAGEMENT - XX/XX/XXXX - {$2200.00} ( FTC REPORT FILED )
Company Response:
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: So a couple things wrong. The credit card company is capital one, who midland credit funding claimed they reached out to. I had reached out to Midland Credit Funding because I had paid off a debt of two separate credit cards around the same time. I reached out to them when I saw that they were attempting to re-report a debt that I had paid. When I reached a settlement deal with the debt collection both credit cards were updated on my credit report as settled and had a balance of XXXX for about 1 year and a half after. Fast forward to recently and I had called them to dispute and they eventually sent a letter saying that the debt was valid. It doesnt make sense that the debt was cleared from my credit when I paid both debts off and they come back and say that I owe them a {$3000.00} debt again. So they re-reported it on my credit report and put an update to my balance that went from {$0.00} ( settled ) to a now balance of XXXX. The second problem is that the report is now showing that the debt was made in XXXX when originally everything was back closed and settled in XX/XX/XXXX which is what originally was on my credit report and it was opened in XXXX XXXX. I would like this removed from my credit report because both accounts were settled just for them to come back and say I owe {$3000.00} all over again.
Company Response:
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I was served with court documents last year. I believe it was around XXXX of 2020. I was asked to respond by a certain date in which I did. When I got to City Hall, I was asked to write a respond and in the response I documented I was a victim of fraud. Midland Funding is the plaintiff. I did not hear anything else for over a year and was sent a not from an attorneys office saying my salary will be garnished for payment. The amount is {$1100.00}. After I said Im a victim of fraud and I have no idea where that account came from, theyre garnishing my check every two weeks in the amount of {$510.00}.
Company Response:
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After reviewing my credit, I noticed Midland Credit Management placed a collection on my credit. I sent a debt validation letter on XX/XX/2021, immediately after noticing the collection. The letter sent clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/XXXX, with a letter notifying them of their nonresponse and their responsibility to comply with the law regarding collections. Midland is now in violation of FDCPA rules.
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Midland Credit Management is reporting damaging information on my credit report. This damaging information includes incorrect dates, balances, account status and documents falsified by MCM. I have asked this company to provide me with specifics in regard to account close dates by the original creditor and the rep. refused. The goodbye letters on this sites portal are letters drafted by MCM and dates have been altered.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A